Electrical engineers insurance

Specialist insurance for electrical engineers from just £5 a month

  • Fast, easy online quote in 90 seconds

  • Interest free direct debit

  • No hidden fees or cancellation charges

With over 25 years experience in the sector, our specialist insurance for electrical engineers offers a wide range of cover against a multitude of risks facing your industry.

A mistake in a design, an accident at your client's premises caused by your error or damage caused to equipment you use for work could have a serious impact on your business. If your mistake costs your client money, they may claim against you to recover their loss - and without electrical engineer insurance, you'd have to defend the claim out of your own personal finances.

Our specialist insurance for electrical engineers can cover you against these scenarios and many more, giving you the peace of mind that if something does go wrong, you'll be covered.

Arranging your insurance online is quick and easy. Our fast quote form will offer you a range of covers and you can choose to buy as much or as little cover as you need - meaning you'll only ever pay for the insurance you want, and not for unnecessary bundled extras. You'll also receive an instant proof of cover document to show clients and agencies you are fully insured and secure contracts. Get a quote now!

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Cover starting at just £5 a month

Electrical engineer insurance covers

  • Professional indemnity insurance

    Professional indemnity insurance covers the cost of defending your business against allegations of professional negligence (such as giving your client incorrect or wrongful advice) and if unsuccessful, the cost of damages awarded against you.

    Examples of claims include:

    • You are contracted to provide specification and designs for lighting for a client. Your designs contain an error in the distances between the lights, which results in additional costs to your client, as well as delays to the project. Your client takes legal action against you to recover their losses.

    This cover is usually a mandatory requirement for electrical engineers working on a contract. We offer cover for a wide range of limits ranging from £100,000 to £5m.

  • Public and product liability insurance

    Public and product liability insurance covers the cost of defending your business (including damages awarded against you if unsuccessful) if someone is injured, or their property damaged, which arises from you going about your business or supplying products. An example of a claim would be:

    • During a site visit to review your specification, spill a cup of coffee over a high-specification client-owned computer, rendering it useless. Your client pursues you for the cost of replacing the laptop.
    • You leave a bag lying next to your desk, which a colleague trips over and injures themselves. They are unable to work for a period of time and take legal action against you seeking compensation.

    If you visit client premises or sites, you may need this insurance to cover your liabilities - and like professional indemnity insurance, it is usually a requirement of recruitment agencies and/or their client before you are awarded a contract. Limits range from £1m to £5m.

  • Employer’s liability insurance

    Employer’s liability insurance is a legal requirement if your firm has employees. This type of insurance covers your business against claims for injury or illness suffered by employees arising from their employment with you. If you have employees, regardless of whether they are full-time or part-time, you need this cover. Limit of £10m.

  • Directors and officers insurance

    Directors and officers insurance covers the costs of defending you as a director or officer of your company against allegations of wrongful acts, and of any damages subsequently awarded against you.
    Cover is also provided in respect of the legal costs and expenses of defending actions for disqualification as a director, investigations and extradition proceedings. Limits range from £100k to £5m.

  • Office insurance

    Office insurance covers your office buildings, office contents and computer equipment against accidental damage (including theft) whilst on your business premises. You can also choose to cover your business equipment (such as laptops and mobile phones) on a worldwide basis, and insure your business against loss of income and/or additional trading expenses following events such as damage to your property.

  • Occupational personal accident insurance

    Occupational personal accident insurance provides a weekly payment if you are unable to work due to temporary total disablement (subject to a 14 day deferment period).

    It pays a lump sum in the event of:

    -       Loss of limbs

    -       Loss of sight

    -       Loss of speech

    -       Loss of hearing

    -       Permanent disablement

    -       Death

    This cover could help you maintain an income if you are unable to work following an accident while working on an engineering contract, and would struggle to maintain a steady income while off work.

  • Legal representation and employment disputes insurance

    Legal representation and employment disputes insurance pays your legal and representation costs, together with any award you are required to pay, following an employment dispute.

    This type of cover also pays costs and expenses for:


    - Certain crisis management
    - Identity fraud
    - Official investigation
    - Corporate manslaughter
    - Pollution issues
    - Data protection issues

  • Cyber and data risks insurance

    Cyber and data risks insurance pays the costs of restoring data and equipment, informing clients, meeting ransom demands and loss of your net profit following a cyber attack. It also pays your legal defence costs and damages you are legally liable to pay to other parties. If you hold confidential information about your clients' projects (including designs, schedules and other sensitive data) on computers and other internet connected devices, you should give consideration to this cover.

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Cover starting at just £5 a month

Frequently asked questions

  • I need to arrange insurance to start work - do you provide proof of cover?

    Yes. We provide a dedicated 'Confirmation of Liability Insurance' document (detailing the cover you have with us) as part of the documents that are emailed to you if you purchase your policy with us. You can present this document to agencies and clients as proof that you are insured.

  • Am I covered if I work abroad?

    In most cases, we can insure you if you do a proportion of your work abroad. Our quick and simple quote form will ask what percentage of your income comes from overseas and we can tell you instantly whether we can cover you or not. Alternatively, call us on 0800 640 6600 to speak to one of our contractor insurance experts.

  • I undertake work offshore - does the policy cover this?

    We offer cover for a wide range of professions working offshore. Get an online quote now or call us on 0800 640 6600 if you'd prefer to speak to someone.

  • What's the difference between professional indemnity and public liability?

    Professional indemnity insurance covers against allegations of professional negligence - which means it would cover you if you were to make an error or mistake in a piece of work (such as a project or report) for a client.

    Public liability insurance covers against allegations of injury or illness caused to third parties by your negligence. This includes many of the slips, trips and falls that are associated with personal injury claims. In addition, public liability insurance covers against damage to third party property - for example, if you were to damage a client-owned laptop or smartphone.

    As they insure against different scenarios, it's important you consider arranging both types of cover to ensure you are properly protected.

  • What limit of cover should I choose?

    Many clients and industry bodies with regulatory requirements will require you to have a minimum level of cover in order for you to undertake a contract, so it's worth checking this before you arrange cover. If you're unsure, or it's the first time you have arranged cover, give some thought to a worst-case scenario and the likely costs involved in putting your mistake right. We offer a range of limits, so you're sure to find the right cover for your business.

  • Why should I insure with Markel?

    Gathering over 25 years of expert knowledge of engineering insurance, Markel understands the liabilities and risks engineering businesses and professionals face every day. By developing this expertise, Markel have created policies to cover all bases.

    Markel is regulated by the Financial Conduct Authority and Prudential Regulation Authority - view details on the Financial Services Register.

    The company is a division of Markel International, a Lloyd's and London market insurer that wrote gross premiums of £750m ($1.0 billion) in 2017.

    Still not sure? Talk it through with us by calling 0800 640 6600 or get an online quote in 90 seconds now, and call later if anything needs clarifying.

Insure with Markel and access exclusive business services

As an expert in insurance for engineering contractors, our customers benefit from exclusive access to unique services designed to make your life easier (included as standard with certain sections of cover).

24 hour legal helpline  24 hour legal advice helpline

When you insure with Markel, you'll benefit from 24/7 telephone access to a qualified solicitor at no additional cost. Expert legal advice can be costly when you're working for yourself and it's difficult to know who to turn to for a trustworthy answer. Whether it's a question on health and safety, employment law, legal structures for your business or how to handle a difficult client, an experienced team of solicitors are on hand day and night to help you with any business-related legal queries. Included as standard with all policies.

Legal hub access Markel Law Hub access

In addition to our 24 hour legal helpline, you'll have access to the Markel Law Hub - an award winning online resource of legal and business guides, templates and content written and created by our team of expert solicitors. Instantly download ready-made contracts, policies, procedures and guidance you can use for your business - without paying any expensive legal fees. Included as standard with all policies.

  Discounted IR35 contract reviews

Falling within IR35 legislation - which determines that an individual is avoiding tax by using a limited company to disguise employment - is a huge concern for electrical engineers, with the fees and penalties due to HMRC eye-wateringly high. Our policyholders receive an exclusive discount on IR35 contract reviews from Abbey Tax (a Markel company), who have over 20 years experience advising individuals and businesses on their tax status. As part of the service, Abbey Tax will review your contract, along with your working practices, to determine whether or not you are operating outside of IR35, and you'll receive a written report with suggested contract amendments where appropriate. Policyholders can access this service by calling 0345 223 2727 or emailing contractreviews@abbeytax.co.uk, quoting 'MKLD' and your policy number.

  Public relations crisis management service

In today's 24 hour news culture, public relations disasters can occur at any time. Having to deal with the press whilst managing a difficult situation can be hugely stressful as well as being a potential minefield. When there is a risk to your business as a result of negative press attention, our specialist public relations crisis management firm, The Counsel House, will work with you to help manage allegations of fraud, injury caused to employees or the public, and official investigations into your company's affairs. Included as standard with professional indemnity insurance, directors and officers insurance, cyber and data risks insurance and legal representation and employment disputes insurance.

Cover starting at just £5 a month